The lender is not the deciding factor, although FHA insurance can sometimes prevent a home from foreclosure and/or a forced sale on in some situations. What determines if a creditor can use a judgment to seize a homestead is the laws of the state in which the property is located and how the home is titled.
It depends on your state: If you live in most community property states (Louisiana West through Texas, and on the California) a judgment against her may affect your property if it is deemed to be "community property" which is property acquired during the marriage. If you live in a common law state, and the state has maintained "tenants by the entireities" as the form in which married persons hold property, then the property is, in all likelihood, free from the lien of the judgment.
Of course not!
depending on the state you live in yes. If the bank forecloses and they get a default judgment against you, they can garnish your wages. Not in Texas though. There are other states that don't allow wage garnishment, except on federal debt
Yes. Texas does not allow wage garnishment for creditor debt but it does allow bank account levy even if the account is jointly held.
you dont have to because it is against the law
Yes, it is irrelevant how the property was purchased. If it is titled in the judgment debtor's name a lien can be placed on the property. The exception could be if the judgment debtor is married and does not live in a community property state and the spouse is not a co-judgment debtor.
Nobody can and may be forced to do anything against their will.
At the time of his death, Roald Dahl was living in 'Gipsy House' in Great Missenden in Buckinghamshire, England. Roald Dahl lived in Gipsy House from 1954 until his death in 1990.
In most cases, gifting property for the purpose of avoiding a judgment is fraud. If it could be shown that you gave your house to your sister for this purpose (for example, if you continued to live in the home or continued to maintain it), both you and your sister could be criminally prosecuted for fraud, and the judgment holder could probably still get the property.
Yes. The creditor can sue the debtor in Texas and use a judgment award to place a lien against property belonging to the debtor. I'm not a lawyer and would encourage you to call one. But I believe the previous answer is incomplete. If you reside in Texas, and you LIVE in the home in question, a judgment award cannot really be used against that property. If they put a lien on the house, all you need to do is claim "homestead exemption" and tell the creditor to remove the lien. They are required to do that. If they refuse, you can sue them for damages. The creditor can place a lien on OTHER property that you own (i.e. not your primary residence). Or any property that you inherit.
This means the apartment is allowing you to still live there (perhaps you settled and paid the arrears but not before the Landlord obtained a Judgment or writ of execution against you but chose not to kick you out)
If the state where you owe back taxes gets a judgment against you, your wages can be garnished. This can happen no matter what state you live in.